I'm surprised a company would offer layaway on an out of stock item in high demand. I guess if someone fails to make their payments the shop keeps the deposit and sells it to someone else. More money for them. Which is good business.
I've gone past 90 days when I had my Osprey-45 on layaway at CG&P. Called ahead to let them know and David said it was fine.
I'm sure they want more money but got the impression they want repeat business from customers.